Negligent on the road? Give compensation to other pedestrians or motorists

Not covered

up to RM3000000

Not covered

Accidental Death 3rd party only

Do not add to fatalities on the road. Stay focused behind the wheel

Not covered

unlimited coverage

Not covered

Add-on Coverage

Private Cars

Commercial Cars

Motorcycles

Legal Liability of Passengers

Cover for bodily injury caused by your passengers

Not covered

Covered

Not covered

Legal Liability to Passengers

Protection against legal action brought against you by your passengers

Not covered

Covered

Not covered

Frequently Asked Questions about AXA Affin Third Party Motor Insurance

Things you might want to know

What is the AXA Affin Third Party Commercial Vehicle all about?

This policy gives you protection against loss or damage to your vehicle as a result of liabilities to third parties for bodily injury and/or damage to property arising from your vehicle.

How much premium do I have to pay?

Your premiums will be calculated on various factors including the value of your vehicle, engine capacity, the driver's age, gender, occupation, location and claims history. With the motor tariff lifted, AXA Affin will need to look into more detail the conditions for premiums. Regardless, you will have an affordable quote with competitive rates.

What are some of the key terms and conditions that I should know?

It is important that you disclose all material facts e.g. previous claims experience and modifications to your vehicle. You must ensure that your vehicle is insured at an appropriate amount and in a roadworthy condition.

The AXA Affin Third Party Commercial Vehicle is transacted on Cash Before Cover basis. This means AXA Affin must receive the premium before providing cover. Lastly, you will come across the term excess in your policy contract. This refers to the amount of loss that you have to bear for any own damage claims.

What are the major exclusions under this policy?

This policy does not cover certain losses such as:

Your own death or bodily injury due to a motor accident

Liabilities to driver and passengers of own vehicle (injury, death or property damage)

Can I cancel my policy and get a refund?

You may cancel your policy at any time by giving a written notice to AXA Affin. Upon cancellation, you are entitled to a refund of your premium based on a pro-dated basis. Refund premium is allowed provided that no claim was made during the period of insurance.

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